5229 Spoonbill Ln, Ferndale, WA 98248 Property Records

Whatcom County property record for 5229 Spoonbill Ln, Ferndale, WA 98248

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,680 sqft · built 2007
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Apr 2023)
Tax Bill	$5,219 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`390233-202472-0000`

Property Details

APN / Parcel Number

Primary APN	`390233-202472-0000`
Alternative APNs	`586274` `99481` `56443`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,680 sqft Living Area
Gross Area	4,348 sqft
1st Floor Area	1,810 sqft
Basement Area	1,740 sqft
Finished Basement	870 sqft
Unfinished Basement	870 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Concrete/Masonry Porch
Porch Area	48 sqft
Deck Area	260 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	99481
Street Address	5229 SPOONBILL LN
City	FERNDALE
State	WA
Zip	98248-7803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Description	LABOUNTY ESTATES LOT 48
Legal Range	02
Legal Township	39
Legal Section	33
Legal Subdivision	LABOUNTY ESTATES
Legal Block	1
Legal Lot Number	48
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1002
Census Tract	201

Owner

Source: Whatcom County records, as of April 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 13, 2021	Deed of Trust, Mortgage HYAK INC
Apr 27, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Nov 4, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2023 · Amount on Record
Deed Sale	Apr 27, 2023 · Amount on Record
Prior Sale	Nov 4, 2021 · Amount on Record
Deed Document Number	20231903
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803
Transaction Type	Mortgage
Record Updated	Feb 4, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803

Mortgage

Document Number	0000101574
Date	Jan 23, 2026
Instrument	2026-0101574

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803

Mortgage

Document Number	0000901742
Date	Sep 13, 2021
Instrument	2021-0901742

Lender

Name	HYAK INC
Type	Non-Lending Institution
Address	BELLINGHAM, WA 98226

Agreement

Amount	Amount Recorded
Term	3 Months
Due	Dec 10, 2021

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 27, 2023
Property Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803
Document Number	0000401903
Map Reference	AF 2050902681
Instrument Date	Apr 14, 2023
Instrument	2023-0401903
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,164.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803

Mortgage

Document Number	0000401904
Date	Apr 27, 2023
Instrument	2023-0401904

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Nov 4, 2021
Property Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803
Document Number	0001100828
Map Reference	AF 2050900662
Instrument Date	Nov 1, 2021
Instrument	2021-1100828
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,120.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5229 SPOONBILL LN, FERNDALE, WA 98248-7803

Mortgage

Document Number	0001100829
Date	Nov 4, 2021
Instrument	2021-1100829

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Ferndale City
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,219.00 (+4.57%)	$698,488 (+4.29%) Land $203,700 Building $494,788	$698,488 (+4.29%) Land $203,700 Building $494,788
2022		$669,746 Land $148,834 Building $520,912	$669,746 Land $148,834 Building $520,912
2021	$4,991.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2021–2022)
Most Recent Claim	Dec 2022 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERNDALE serves 19,305 people · EPA ID WA5324850
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband, Verizon.

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